DOBBS TIRE & AUTO CENTERS, INC.

EIN 43-1078456 · MO · Other

Compensation disclosed7 brokers of record, 2017–2025As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2025: $197,6532024: $190,0472023: $207,0612022 · analysis: $93,4702021: $66,6752019: $92,2732018: $98,2592017: $89,499

2021: $63,790 shown as filed, excluded as a likely filing error

Benchmarked against: Other · 501–2,500 employees · same industry, in-state · n=31 employers (your plan plus 30 peers)

575

(2022)

Self-fundedSelf-funded (incl. mixed, stop-loss and level-funded).

Funding

$93,470

Broker pay, employer-paid lines (2022)

$13.55

2022 · 73rd pct vs peers · n=31

Lines disclosed: Dental · Vision · Life · Short-term disability

Broker pay as a share of insured premium: 60.2% (peer median 8.2%, 99th percentile).

Without the 2 low-disclosure peers, this plan is at the 71st percentile of 29 comparable plans (your plan plus 28 peers).

Per-participant and share-of-premium comparisons differ because your plan insures a different mix of lines than most peers. The line-by-line rates below are the most direct comparison.

Employer-paid $93,470 benchmarked for 2022 · Voluntary $25,567 shown separately, compared by rate only

Showing 2022, the latest year with a complete peer group. A 2025 filing is on file and appears in broker history; it is not benchmarked yet.

Why 2022?

The figures above use 2022, the latest year we can compare with similar employers. A filing for 2023–2025 is on file. Only a smaller plan has filed for 2023 so far. The main plan's filing is not in yet, so that year cannot carry the comparison. Only a smaller plan has filed for 2024 so far. The main plan's filing is not in yet, so that year cannot carry the comparison. Only a smaller plan has filed for 2025 so far. The main plan's filing is not in yet, so that year cannot carry the comparison. 2023 broker pay on file so far totals $207,061 across all lines, about 74% more than the $119,037 for 2022. 2024 broker pay on file so far totals $190,047 across all lines, about 60% more than the $119,037 for 2022. 2025 broker pay on file so far totals $197,653 across all lines, about 66% more than the $119,037 for 2022. Rows for 2023–2025 stay in the broker history and stay out of the headline and the peer comparison.

Self-funded medical. This figure is commissions on the insured ancillary lines (life, disability, dental, vision, stop-loss). A self-funded employer's medical advisor is typically paid a fee outside these filings, so total broker pay is usually higher than the figure shown.

Broker commission rate by benefit line

What the broker earns on each insured line, as a share of that line's own premium — not a share of total broker pay, and not what the coverage cost. Peers for these tiles: same region, similar covered lives. Full table below. How the national rates are built.

Short-term disability

33.8%

Peer median 11.9%

Above peer range

Voluntary / worksite

68.3%

Peer median 17.3%

Above peer range

Vision

Not comparable

Rate is above 40% of premium on a core line, or 100% on a voluntary line

Dental

Not comparable

Rate is above 40% of premium on a core line, or 100% on a voluntary line

Life

Not comparable

Premium under $10,000 is too small to compare

Voluntary / worksite premium is typically paid by employees through payroll deduction, so commission on those lines comes out of employee money rather than company money.

This page shows what was filed. The report shows what it means.

What the gap is worth — the dollar difference vs. peer median, including a 3-year view
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Where the $119,037 across all lines goes

Each broker and each benefit line, in dollars

How much broker pay rides inside the premium

Base commission against bonuses and other carrier payments, all funded through premium

Whether this number is drifting

Compensation across every filed year, against the peer median

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Benefits covered (latest filing)

HealthDentalLife insuranceShort-term disabilityLong-term disabilityApprenticeship / trainingSeveranceOther

From the Form 5500 welfare benefit codes — the authoritative list of what the plan covers, including medical (health).

Broker history

Benefit lines covered by year — broker identity limited on public pages

Medical here is self-funded. The employer pays its own health claims (usually through a TPA), so there's no insurance contract for medical and it never appears on Schedule A. The itemized coverages in this filing are the insured ancillary lines — dental, vision, life, disability. Schedule C captures advisor pay two ways: paid directly from plan assets, or received indirectly from a carrier or vendor in connection with the plan. This plan has no Schedule C on file — so any advisor compensation beyond those ancillary lines isn't captured in this filing.

Year:

The 2025 filings on file so far are from smaller plans; the main plan has not filed 2025 yet. The analysis year is 2022, the latest year that is complete and benchmarked.

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Commission rates by benefit line

Each insured contract on the filing, with the broker's commission as a share of that contract's own premium. Premium is what was paid to the carrier for the coverage; only the commission column is broker pay.

Analysis year 2022 — the same year as the headline figure and per-participant rate above. The 2025 filings on file so far are from smaller plans; the main plan has not filed 2025 yet.

Benefit line	Contract	Rate	vs. peers	Position
Short-term disability	Guardian Life Insurance Company	33.8%	med 11.9%	Above peer range
Voluntary / worksitefiled as “Health, Other (CRITICAL ILLNESS.)”	Guardian Life Insurance Company	68.3%	med 17.3%	Above peer range
Vision	Guardian Life Insurance Company	Not comparable	Rate is above 40% of premium on a core line, or 100% on a voluntary line	Rate is above 40% of premium on a core line, or 100% on a voluntary line
Dental	Guardian Life Insurance Company	Not comparable	Rate is above 40% of premium on a core line, or 100% on a voluntary line	Rate is above 40% of premium on a core line, or 100% on a voluntary line

1 contract under $10,000 in premium — listed for completeness, not compared to peers. Show

Life — Guardian Life Insurance Company — Premium under $10,000 is too small to compare

How the peer group for each line was built

Short-term disability: n=1,127 contracts, Midwest, 101-500 covered lives
Voluntary / worksite: n=2,123 contracts, Midwest, 101-500 covered lives
Vision: n=3,116 contracts, Midwest, 101-500 covered lives
Dental: n=2,683 contracts, Midwest, 101-500 covered lives
Life: n=2,799 contracts, Midwest, 101-500 covered lives

n = the number of peer contracts in that comparison group.

Everything in this table is from the 2022 filing. These 5 contracts are a subset of the broker compensation disclosed for that year. The remainder sits on bundled multi-line contracts, contracts with no premium reported, or Schedule C service-provider fees, none of which carry a comparable single-line rate. 2025 is not rated here. Its rows appear in Broker history above as filed — pick 2025 on the year chips there to see them.

Who funds this. Voluntary / worksite premium is typically paid by employees through payroll deduction, so commission on those lines comes out of employee money rather than company money.

Peer comparison here is contract-level: each line is matched to single-line contracts covering a similar number of lives. The geography and size band come from that cell's generated scope label. That is a different group from the plan-level peer set, which compares employers on total broker cost per employee, so the two sample sizes are not expected to agree. The national table on the research page includes every single-line contract on that benefit line. Company pages use the tightest cell with at least 10 contracts — region and size when those exist, otherwise national. The two medians answer different questions, so they are not expected to match. A rate on bundled multi-line premium is not comparable to a single-line rate, so bundled contracts are never given a peer position. Contracts under $10,000 in premium are listed for completeness, with no rate or peer position. Not comparable: Rate is above 40% of premium on a core line, or 100% on a voluntary line

Plans on file

Expand a plan to see its insured contracts and year-over-year history — the details someone on the plan can recognize and verify.

PN 503DOBBS TIRE & AUTO CENTERS, INC. GROUP LIFE INSURANCE PLAN575 participants (2022)

DentalFully insured · 5 years on file

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PN 504DOBBS TIRE & AUTO CENTERS, INC. GROUP VISION PLAN575 participants (2022)

Short-term disabilityFully insured

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PN 501DOBBS TIRE & AUTO CENTERS, INC. GROUP MEDICAL PLAN575 participants (2022)

HealthSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 5 years on file

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PN 507DOBBS TIRE & AUTO CENTERS, INC. VOLUNTARY CRITICAL ILLNESS INSURANCE PLAN575 participants (2022)

HealthFully insured · 5 years on file

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PN 505DOBBS TIRE & AUTO CENTERS, INC. SHORT TERM DISABILITY INSURANCE PLAN575 participants (2022)

Long-term disabilityFully insured · 5 years on file

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PN 502DOBBS TIRE & AUTO CENTERS, INC. GROUP DENTAL PLAN575 participants (2022)

Life insuranceSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 5 years on file

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PN 508DOBBS TIRE & AUTO CENTERS, INC. EMPLOYEE BENEFIT PLAN554 participants (2025)

HealthDentalLife insuranceShort-term disabilityLong-term disabilityApprenticeship / trainingSeveranceOtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 3 years on file

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Covers = benefits reported on the Form 5500 (welfare benefit codes). Contracts = insured lines itemized on Schedule A; a self-funded medical line never appears there.

At a glance

Primary brokerLimited on public pages

Years on file8

Lead broker continuityFiled brokername changed

Broker setup2 brokers in 20227 across all years

Most

Peer benchmarkOthern=31 · state peers

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How do similar employers compare?

Employers in the same peer group (Other, similar size), from public Form 5500 filings. Open one to see what it pays its broker.

Browse more: Missouri employer health plans · Other plans in Missouri · all states

Sourced from Form 5500 filings as submitted to the U.S. Department of Labor. Analysis year: 2022; newest plan year with a filing on file: 2025. Dataset refreshed October 7, 2026. Plan years are labeled by the year they begin, so a July 2024 – June 2025 plan year is 2024. Filings may lag 12–18 months behind the current plan year.

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Unbrokered reports data as filed with the DOL. If you believe a figure is incorrect, tell us what it should be. We respond within 2 business days and, where the underlying filing has been amended, update on our next data refresh. We don't remove publicly filed information on request, but we do correct genuine errors.